Commercial Bankers & Business Lenders!
Commercial Bankers & Business Lenders!
How can we work together?
✅ Help clients qualify for larger loans
✅ Improve their debt service coverage ratio
✅ Strengthen their balance sheet before a lending decision
✅ Free up cash flow so they can grow — and borrow more
Let's work together!
Your clients come to you when they need capital to grow.
You need to see strong cash flow.
A clean balance sheet.
A business that can service its debt.
One of the biggest drains on a business's monthly cash flow is group health insurance.
Most employers are overpaying.
Not because they made a bad decision — because nobody reviewed their plan recently.
When I restructure a group's benefits, employers typically reduce their monthly benefit expenses significantly — without reducing coverage or benefits for their employees.
That reduction improves their cash flow.
Which improves their ability to service a loan.
Which makes your lending decision easier.
When one of your clients mentions:
Cash flow tighter than it should be.
Benefits costs eating into their operating margin.
Employees leaving — and the cost of replacing them.
Ask one simple question:
"Do you offer group health insurance?"
If they say yes — please introduce us.
I am paid by the carrier.
No additional cost to your client.
No additional cost to you.
And your client's cash flow picture gets cleaner.
Which is good for both of you.
COMPANY
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 04/10/2026
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